Credit Cards

[MarineVietVet]

---

jmaktal wrote:

does anyone know whether barneys ny reports on authorized users?

is there somewhere i can look this up online?

---

I don't know the answer to that but the fastest way to find out is to call them and ask. 

From a BK years ago to:
EX - 9/09 pulled by lender 802
EQ - 7/06-663, 3/10-800, 10/10-813
TU - 10/10-774
You can do the same thing with hard work

[susan296]

---

Pushto700 wrote:

---

cdub69 wrote:

What cards actually report authorized users to the credit bureau?Citibank and Chase do not at least that's what they told me.

---

Orchard HSBC & Best Buy RewardsZone MC - Yes 

Kohls, & Macys/Bloomies - No.

---

I am an AU on my husband's Kohl's account, and it is reporting on my CR.

[diabla]

Can someone answer if the Authorized User account is actually scored?  I know it seems like a common sense question but you never know, FICO might exclude it from scoring or something.

Also, BOA is said to report it, but does that count for secured cards also?

[HiHiHiHiHiHi]

My husband's Capital One and Citi reports on my credit report. But my Chase doesn't report on his report.

[Cdnewmanpac]

---

diabla wrote:

Can someone answer if the Authorized User account is actually scored?  I know it seems like a common sense question but you never know, FICO might exclude it from scoring or something.

Also, BOA is said to report it, but does that count for secured cards also?

---

The TU fico score purchasable here does not include AU accounts. As far as I can tell, neither does the TU Vantage score available through credit karma (a few places actually use Vantage). The EQ fico sold here and used by USAA definitely includes in score, as does the EQ credit card enhanced FICO used by Discover. I have had months where the only change was to the balance of my AU card and it has definitely triggered score changes. It is also factored into my AAoA on Experian and EQ. I've never looked at an original TU report to confirm.

[j_casteel]

---

cdub69 wrote:

What cards actually report authorized users to the credit bureau?Citibank and Chase do not at least that's what they told me.

---

My brother added me as an AU on his AMEX Blue and Citi Dividends World MC.

Amex reports from the month he added me this year, but Citi backdated and reports the card from 2004. Both have perfect history, high CL's, and low UTIL.

Amex requested info like ssn, etc. but Citi just requested name and address.

[webhopper]

This is a zombie thread. That being said... my husband was added as au to my 13 yr old discover card and it most definatley gave him a 30 point boost.

[diabla]

---

webhopper wrote:
This is a zombie thread. That being said... my husband was added as au to my 13 yr old discover card and it most definatley gave him a 30 point boost.

---

Sorry, my fault for bringing it back alive!  I was searching for threads about AUs to see if it actually figured into your score and not just reported, and found this, so I added to it, lol.

[webhopper]

No problem... keep in mind there is nothing shameful about starting a new thread. Some of the information from 2010 has changed greatly!

If you start a new thread you'll also be helping others who may have had the same question or wondered the same thing; but never thought to actually ask.